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Salary +

Owners of salary cards of Xalq Bank can use the special credit product for amount up to two-months wages with the low annual interest rate 18%.

Advantages of Salary+  :

  • Aamount of the loan is not more than ten-months wages;
  • Convenient interest rate;
  • Low commission.

As the owner of Xalq Bank salary card, you can get a loan at affordable terms. Low interest rate and the minimum cost of processing the loan will save you more.

When the salary is transferred to your account, it automatically covers the used part of the loan, so the limit of the loan renews.

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Loan amount 

Minimal amount – 200 AZN

Maximal amount –  25 000 AZN

line of credit: 4 times the salary, cash loan: 10 times the salary


2-12 months


0.2% of the loan amount min.20 AZN


Not required

Annual interest rate



Note: The loan can be issued only to persons who have income in foreingn currency, as well as holders of foreingn currency deposit (the deposit serves as a collateral).


Requirements to the Borrower: 


Men: 23 - 63 years

Women: 23 - 60 years

Permanent or temporary registration (on the territory where the loan is issued)

Required (minimum 1 year)

Minimum length of service on the last job

6 months  (the loan can be issued in the name of the student or his/her parents)

Other requirements

Positive credit history of the Borrower


Documents submitted by the Borrower 

  • Application for loan (in a form approved by the Bank);
  • ID of the Borrower;
  • Statement from the salary card of the Borrower. When necessary, the Bank receives information about the salary of the Borrower from the statement issued by their employer.


To make decision about the issuance of the loan the Bank has right to request additional information, as well as the documents necessary for the confirmation of submitted information.





Do you want to get a loan?

Loan amount

15 Months

15 %

Can i get a loan?


15 Months

15 %

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Dear customer, you are eligible to apply for the loan. For more information please visit our branches.
Dear customer, you can not eligible to apply for the loan with current conditions. For more information please visit our branches.